Cooperative Homeowners is the category in which the Prospective Homeowners Association resides. Designed to create housing that the Middle and lower classes may afford to purchase and keep, without financial support from the government, (HUM) Homes for the Upwardly Mobile is a Home Buyers Club, offering either Limited or Market Equity Housing Co-operative ownership opportunities. A Public Interest & Mutual Benefit Society - Prospective Homeowners Association (PHA), combined with Competitively Priced Residences (designed to be a for-profit building and development company) & Homes for the Rest of Us (designed to be a non-profit agency - Together, these groups and companies are Housing Visionaries & Developers. The complete business plan may be read on the group's website at http://www.cooperativehomeowners.com/